DSCR Loans in Kettering, Ohio

Financing a rental in Kettering, Ohio runs through Montgomery County's property tax rate and the local rent and value numbers below — here's how they combine on a DSCR loan.

Dayton-metro suburb, one of the region's largest by population.

Kettering at a glance

County: Montgomery County
Population: 57,862 (2020 Census)
Type: City

Kettering isn't contained entirely within Montgomery County — it also extends into Greene County. The tax rate and figures on this page use Montgomery County, which is where the majority of Kettering's parcels sit; a specific address near the county line should confirm its actual taxing county before closing.

Home values and rent in Kettering

Kettering-specific home-value data isn't separately published; countywide, Montgomery County's median runs $180,900 (ACS 2020-2024 5yr). Rent, similarly, has no Kettering-specific figure; countywide Montgomery County's median gross rent is $1,026/mo (ACS 2020-2024 5yr).

The county tax-drag math applies here

Property tax on a Kettering rental is set at the Montgomery County rate: 1.58% effective, above the 1.36% Ohio average. The full worked PITIA and DSCR example, built on a property at the county's median value, is on the Montgomery County page — here's the tax line specifically for a property at Kettering's own numbers:

Property value used: $180,900 (countywide)
Montgomery County effective tax rate: 1.58%
Estimated monthly property tax: $238

That estimate uses an observed Ohio DSCR average of 7.20% (Q2 2026)¹ elsewhere in the full county example — this is a market observation, not an offer; your rate depends on your DSCR, credit, LTV and loan purpose, and is set by the lender, not by us.

Get your Kettering DSCR quote

Run the numbers on the actual address, not the median. Compare DSCR quotes for a Kettering property.

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Sources for this page

Wikipedia, "List of municipalities in Ohio" (population, 2020 Census) — https://en.wikipedia.org/wiki/List_of_municipalities_in_Ohio
CostByCounty, "Cost of Living in Ohio by County" (Montgomery County median home value, county-fallback) — https://costbycounty.com/ohio
Private Lender Link (Ohio DSCR rate average, Q2 2026) — https://privatelenderlink.com/region/usa/ohio/residential-long-term-rental-ohio-usa/

Last updated 2026-08-25. Figures are refreshed periodically from the sources above, each with its own as-of date.